Bajaj Finance Ltd
Bajaj Finance Q4 FY26 earnings call: Revenue & Margins
Q4 FY26 earnings call: what management said on revenue, margins and capex.
Bajaj Finance Ltd Q4 FY26 key numbers
- Revenue
- Confident of adding 15-17 million new customers in FY27.
As stated in Bajaj Finance Ltd's Q4 FY26 earnings call transcript · published 3 Jul 2026. Reported figures, not investment advice.
The short version
AUM growth expected at 20% to 24% for FY27, supported by scaling new businesses launched in recent years (Page 6). Bajaj Finance Limited expects AUM growth of 20% to 24% in FY27, supported by scaling new businesses and MSME growth recovery from Q2/Q3 FY27.
From Bajaj Finance Ltd's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- AUM growth expected at 20% to 24% for FY27, supported by scaling new businesses launched in recent years (Page 6).
- Confident of adding 15-17 million new customers in FY27 (Page 6).
- Margin impact anticipated with marginal moderation in NIM, depending on interest rates and geopolitical tensions (Page 6).
- Operating expense to net interest income (opex to NTI) expected to improve by 25 to 40 basis points (Page 6).
- Profit growth likely to outpace AUM growth, potentially 35-40%, though uncertain and dependent on AI deployment and other factors (Page 16).
- Market share in total credit in India increased from 225 to 250 basis points, aiming for ~2x system credit growth to become a top 5-6 lender in 5-7 years (Page 16).
2 more points from Bajaj Finance Ltd's call on revenue
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Profitability & Margins
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Capital Expenditure Plans
- Bajaj Finance is making significant investments in AI infrastructure as part of its FinAI transformation.
- The company is expanding its AI team from 203 to around 363 resources by June 2027.
- Investments focus on compute resources, talent development, and AI use cases.
- AI deployment includes agentic platforms with 600+ autonomous agents planned for FY27 across operations, DMS, HR, technology, and risk.
- Physical infrastructure includes deploying ~2,700 cameras in customer service branches and gold loan stores to enhance customer identification and reduce friction.
- AI call center agents have reduced costs by one-third, replacing traditional outbound voice agents.
2 more points from Bajaj Finance Ltd's call on capex
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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Frequently Asked Questions
What were Bajaj Finance Ltd Q4 FY26 results?
AUM growth expected at 20% to 24% for FY27, supported by scaling new businesses launched in recent years (Page 6). Bajaj Finance Limited expects AUM growth of 20% to 24% in FY27, supported by scaling new businesses and MSME growth recovery from Q2/Q3 FY27.
What is Bajaj Finance Ltd share price analysis?
Bajaj Finance Ltd currently shows a neutral. The stock trades at a P/E of 33.0 with a market cap of ₹676,761 Cr. Investors should review the full earnings analysis for detailed insights.
Is Bajaj Finance Ltd planning capital expenditure?
Bajaj Finance is making significant investments in AI infrastructure as part of its FinAI transformation.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.